Protection for your business

Size: px
Start display at page:

Download "Protection for your business"

Transcription

1 TD Insurance Protection for your business Protect what s important Distribution Guide and Certificate of Insurance (1012) For use in Quebec only

2 Protection for your Business Protect what s important Distribution Guide and Certificate of Insurance Life insurance coverage provided by: Sun Life Assurance Company of Canada ( Sun Life ) Group Creditor Benefits 227 King Street South P.O. Box 638, Station Waterloo Waterloo, Ontario Canada N2J 4B8 Accident coverage provided by: TD Life Insurance Company ( TD Life ) P.O. Box 1 Toronto Dominion Centre Toronto, Ontario M5K 1A2 Administered by: TD Life P.O. Box 1 Toronto Dominion Centre Toronto, Ontario M5K 1A2 Protecting your business You ve worked too hard not to ensure your business is adequately protected from an unexpected event. Business Credit Life Insurance can mean financial security for you and your family and anyone else who has a stake in your business. This valuable protection provides affordable accident and life coverage. It can cover your business loans, lines of credit and overdraft protection with the Bank, up to a maximum of $1,000,000 per Insured Person. This booklet describes the insurance provided to TD Canada Trust Small Business Banking customers and TD Commercial Banking customers who are covered by Business Credit Life Insurance. It contains important information about the life and accident coverage. Once you re covered, in the event of death, the life benefit can reduce or even eliminate your total outstanding debt, with any remaining benefit being paid to the business. Additionally, if the Insured Person is involved in an accident, the insurance benefit can reduce or even eliminate your total outstanding debt. Business Credit Life Insurance offers competitive group premium rates. The premium rates are based on your age, gender and smoking status. Premium rates automatically increase with age, as shown in the premium rate table in this guide. Life and accident insurance are covered by a single monthly premium. See section How to calculate your premium for details. In addition to Business Credit Life Insurance protection, when maintaining coverage of $25,000 or more, the Insured Person and his or her spouse as well as their dependent children who are under the age of 21, or under 25 and attending college or university full time will have access to Best Doctors, a global network of medical professionals. More than one person can be insured for the same Business. However, separate applications are required for each person insured. PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 2

3 Distribution Guide Name of Insurance Product: Business Credit Life Insurance for your TD Canada Trust Total Authorized Business Credit Borrowings Type of Insurance Product: Group Creditor Insurance Name and Address of Insurers: Accident coverage Life coverage provided by: provided by: TD Life Insurance Company Sun Life Assurance Company of P.O. Box 1 Canada (Sun Life) Toronto Dominion Centre Group Creditor Benefits Toronto, Ontario M5K 1A2 227 King Street South Toll Free Phone: P.O. Box 638, Station Waterloo Fax: Waterloo, Ontario, N2J 4B8 Toll Free Phone: Fax: Administered by: TD Life Insurance Company P.O. Box 1 Toronto Dominion Centre Toronto, Ontario M5K 1A2 Toll Free Phone: Toll Free Fax: Name and Address of Distributor: TD Canada Trust* 500 Rue St Jacques St 12th Floor Montreal, QC CAN H2Y 1S1 Phone: Fax: *TD Canada Trust means The Toronto-Dominion Bank and its affiliates that provide business credit. Responsibility of the Autorité des marchés financiers The Autorité des marchés financiers does not express an opinion on the quality of the product offered in this guide. The insurers alone are responsible for any discrepancies between the wording of the guide and the policy. PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 3

4 Table of Contents Introduction About the Insurers Description of the Product Offered Nature of Coverage Summary of Specific Features Persons Who May Apply for This Protection Insured Persons Amount of Protection Beneficiary of the Insurance Premiums to Be Paid by the Business Effective Date of Coverage Exclusions Cancellation End of the Insurance Coverage Proof of Loss or Claim Submission of a Claim Insurer s Reply Appeal of an Insurer s Decision and Recourses Similar Products For More Information Referral to the Autorité des marchés financiers Forms Notice of Rescission of an Insurance Contract back of book Notice of Free Choice of Insurer of Representative back of book PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 4

5 Certificate of Insurance In this Distribution Guide, You and Your refers to the Business that is applying for insurance described in this guide. Introduction This Distribution Guide describes the Business Credit Life Insurance offered to TD Canada Trust customers who are applying for new business credit or have an existing business credit product. It will help you make a knowledgeable decision about whether this coverage suits your needs. The terms and conditions of this insurance product are contained in the Certificate of Insurance and in the group insurance policies. Any coverage will be governed by the Certificate of Insurance and by the group insurance policies. About the Insurers Accident coverage is provided by TD Life Insurance Company (TD Life), under group insurance policy #G.60159AD issued to The Toronto-Dominion Bank. Life coverage is provided by Sun Life Assurance Company of Canada (Sun Life), under group policy #45073 issued to The Toronto-Dominion Bank and administered by TD Life. References to the insurers hereafter mean Sun Life and TD Life as applicable. The Toronto-Dominion Bank is also referred to hereafter as the Bank. Description of the Product Offered Nature of Coverage Business Credit Life Insurance can pay a benefit equal to the outstanding balances on all your eligible reducing balance credit products plus the limits on all your eligible revolving credit products up to $1 million. Business Credit Life Insurance includes the following benefits: Life insurance to cover the outstanding balance of both your eligible reducing balance and your revolving credit products, up to the limits of your coverage, if the Insured Person dies. The benefit reduces your outstanding balance with any surplus paid directly to the business. Accident benefit to cover the total outstanding balances on eligible loans and revolving credit products, up to the limits of your coverage, if the insured person suffers a loss of use of more than one limb or full eye sight as a result of an accident and the loss occurs within 365 days of the accident. The benefit reduces your outstanding balance. For a further explanation on the above, please refer to the section About your insurance coverage in the Certificate of Insurance. Summary of Specific Features Who May Apply for This Protection Businesses Business Credit Life Insurance coverage is offered exclusively to business credit customers of the Bank that are a sole proprietorship, partnership, corporation or other entities operating a business or farm. The business credit eligible for Business Credit Life Insurance is: for Business Loans (including Business Mortgages), the current amount of the approved loan; for Business lines of credit, Business overdraft protection or TD Business Credit Card for a farm, fishery, ranch or private Canadian business, the credit limit amount. The sum of the current amount of Business Loans and the credit limit of Business lines of credit limit is called the Total Authorized Business Credit. Insured Persons On the date an Application is completed and submitted, the Insured Person must be a Canadian resident between 18 and 69 years old and any one of the following: if the business is unincorporated, a person who owns the business, if the business is unincorporated, the spouse of a person who owns the business, a director or officer of the business, a personal guarantor of some or all of the debt included in the Total Authorized Business Credit, or a person who is essential to your ability to meet your financial obligations. PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 5

6 Amount of Protection Business Credit Life Insurance can cover your business loans, line of credit and overdraft protection with the Bank. Life Insurance Coverage Your Life Insurance Coverage is based on the amount of insurance you applied for and the Total Authorized Business Credit amount. Life Insurance Coverage automatically reduces so the coverage is never greater than the Total Authorized Business Credit. If the Total Authorized Business Credit is later increased, a new Application is required to increase your coverage (See Making a change to your coverage ). Your Life Insurance Coverage equals the lesser of: (i) the amount of insurance applied for in the Application; or (ii) the Life Insurance Coverage from the previous day; or (iii) the dollar value of the Total Authorized Business Credit; or (iv) $1,000,000. We know it can take time to access your business credit. Therefore, during the initial 180 days from coverage taking effect, your coverage will fluctuate up and down as your Total Authorized Business Credit fluctuates (up to the amount of insurance you applied for). When an Accident benefit is paid then your Life Insurance Coverage will be reduced by the amount of the payment. Accident Coverage Your Accident Coverage shall equal the lesser of: (i) the Life Insurance Coverage, as determined above, and as of the date of Accident; or (ii) the outstanding balance, as of the date of Accident, owing to the Bank under the Total Authorized Business Credit. Coverage changes If you are requesting a change, it will take effect on the first billing period following the date we receive the completed Notification of Change Form. accumulated from year to year and can t exceed your Total Authorized Business Credit with the Bank or the maximum of $1,000,000 per Insured Person under the Policy. You may also increase your coverage by more than $25,000 provided the increased amount does not exceed the lesser of your Total Authorized Business Credit or $1,000, A new Application with Health Questions is required for this increase and this Application is subject to our approval. Coverage decrease: As your Total Authorized Business Credit decreases your insurance coverage may also decrease. The decrease in coverage automatically occurs when the Total Authorized Business Credit reduces below the amount of insurance you currently have. See the section How much you are covered for in the certificate for more details. In addition, if we pay an Accident benefit, the Life Insurance Coverage is reduced by the amount of the payment. You may also request a decrease in coverage at any time. Beneficiary of the Insurance There is no ability to name a beneficiary. The insurer will pay the Business Credit Life Insurance benefit to the Bank to pay off or pay down the Total Authorized Business Credit balance. However, for Life Insurance, if at the time of the death, the insured amount, including interest, is greater than the outstanding balance of the Total Authorized Business Credit, the insurer will pay the difference to you (the business). Premiums to Be Paid by the Business Your cost for Business Credit Life Insurance is based on the Insured Person s age, gender, smoking status and the average of the daily Life Insurance Coverage during the billing period. Every year, on the first billing following the Insured Person s birthday, you move up to the next premium rate shown. The applicable premium rates appear in the table on the following page. These rates do not include applicable provincial sales taxes. Coverage increase: Business Credit Life Insurance has a special option that lets you increase your coverage by up to $25,000 once each calendar year without any further qualifying conditions. To apply for this increase option, you must provide us with a properly completed Notification of Change Form. This option can t be PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 6

7 Premium rates Monthly premium rate per $1,000 of Business Credit Life Insurance Male Female Age at billing Non- Smoker Non- Smoker smoker ($) smoker ($) 32 and under For example, if you are a male, non-smoker, aged 35 with a business loan, that is their only credit, that has an average balance for the month equal to $47,500, the premium is $0.12 x $47,500 1,000 =$5.70 a month, plus any applicable provincial sales tax. To be eligible to apply for non-smoker rates, the Insured Person must not have smoked or used any substance or product containing tobacco, nicotine or marijuana within the last 12 months. An existing Insured Person may apply for non-smoker rates at any time once they meet the eligibility requirement. If the rates are increased, the increase will apply to everyone covered. You will be notified in writing before changes to the rates are made. Payment frequency Business Credit Life Insurance premiums, plus any applicable provincial sales taxes are withdrawn on the 15th calendar day of the month or next business day from the account indicated on your Application. Effective Date of Coverage If: your business credit Application is approved; your business credit has been effected; you have met the eligibility requirements to apply for insurance; and you have submitted your insurance Application to TD Life, then your insurance coverage will take effect as described below: If the Insured Person answers NO to questions 1 to 5 of the section of your insurance Application entitled Information about your Application and your health, your coverage is automatically approved and takes effect on the date you complete the Application. Documents that represent your proof of insurance are the Application and your Certificate of Insurance If the Insured Person answers YES to any of questions 1 to 5 of the section of your insurance Application entitled Information about your Application and your health then the Insured Person must complete a Health Questionnaire: In such a case, the insurer will review your Application and your coverage will take effect on the date we write to let you know that we have approved your Life Insurance. We will write to let you know of our decision within 30 days from the date we received all required information. If the Health Questionnaire is required and not submitted, coverage will not take effect. In this case, the documents that represent your proof of insurance are the letter of approval, the Health Questionnaire, Application and your Certificate of Insurance. PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 7

8 Exclusions - Caution - An insurance benefit will not be paid and coverages will be terminated, if the Insured Person or the business: fails to answer the smoking question in the application accurately; or gives any false or incomplete responses to: information that the insurer requires to approve Life Insurance Coverage; or information when requesting any change to your coverage. The insurer will not pay a life benefit if: death occurs before the insurance coverage comes into effect; your insurance has been in force for less than 2 years, and the Insured Person dies from suicide or intentionally self-inflicted injuries, whether the Insurance Person was sane or insane. If this happens, the insurer will refund all premiums paid; or death is a result of, or while the Insured Person was committing a criminal offence, including driving while over the alcohol legal limit; the life claim is not made within 1 year of the date of death. The insurer will not pay a full life benefit if: the Insured Person dies from suicide or intentionally self-inflicted injuries, whether the Insured Person was sane or insane; and you increased the insurance in any amount including amount less then $25,000; and the increase has been in force for less then two years from the date of death. In this case the life benefit is payable but will be reduced by the amount of the increase. The insurer will not pay an accident benefit if: the Accident occurs before the insurance coverage comes into effect; the Accident was due to drug or alcohol misuse or abuse; the loss is caused by intentionally self-inflicted injuries, whether the Insured Person was sane or insane; the loss relates to an Accident that took place 12 months before the covered loss occurred; the loss is a result of, or while the Insured Person was committing a criminal offence, including driving while over the alcohol legal limit; or the claim is not made within one year from the date of the covered loss; Cancellation To cancel your Business Credit Life Insurance simply visit a TD Canada Trust branch or call TD Life Customer Service at You will be able to cancel your coverage by phone anytime after the first 10 days following the date you completed your insurance Application, if the insurer can confirm your identity. In that case, your cancellation will be effective upon completion of the call. Otherwise, the insurer requires a written request from you to confirm your cancellation. Cancellation will be effective on the date it is received by the insurer. Send your written request for cancellation to the address of the program administrator indicated at the front of this guide. You may also use the Notice of Rescission of an Insurance Contract included in this guide. If you cancel your coverage within 30 days of the date of applying for insurance, the insurer will refund any premiums paid provided no claims have been made. You may cancel your coverage at any time after the 30 days and the insurer will refund any unearned premiums. End of the Insurance Coverage Once you are insured, coverage ends without notice to you on the date when one of the following occurs: we are notified that all of your Total Authorized Business Credit has closed, been repaid in full, or been transferred to another bank or financial institution; your insurance premium is in arrears 3 months or more; the insurer receives a written request from you to cancel your coverage, or if the insurer is able to confirm your identity, the insurer receives your request by telephone to cancel your coverage; the date the Insured Person turns 70 years old; the greater of 30 days after you were provided with written notice of the termination of the Policy, or the date mentioned in the notice of termination; or the Insured Person dies. When your insurance coverage ends for any reason, we will not notify the other person(s) liable to the Bank for the Total Authorized Business Credit. PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 8

9 Proof of Loss or Claim Submission of a Claim Claim forms are available through any TD Canada Trust branch or by calling TD Life Customer Service at The original claim form and proof of death or loss must be received by TD Life as soon as possible after the event, but no later that the time limitations as follows: For a life claim, the claim must be submitted within one year of the date of death. For an accident claim, you must submit your claim within one year of the date of your loss. Any claims that are made after these deadlines will not be paid. Additional proof or information regarding the claim may also be required. The insurer may require that a doctor of its choice examines the Insured Person to validate an accident claim. Payment of benefits is made only after these proof-of-claim requirements are satisfied. All claims should be sent to: TD Life Insurance Company P.O. Box 1, Toronto Dominion Centre, Toronto, Ontario, M5K 1A2 For Life claims, the Life Insurance Coverage is determined as of the date of death. For Accident claims, the Accident coverage is determined as of the date of the Accident. For an explanation regarding the calculation of the benefit amount, please refer to the section How much you are covered for in the Certificate of Insurance. The maximum amount that will be paid for your Total Authorized Business Credit Borrowings will not be greater than $1,000,000. Insurer s Reply Once the required proof of death or loss has been received and the claim has been approved, payment will be made by the insurer within 30 days. Similar Products Business Credit Life Insurance is specifically designed for TD Canada Trust Small Business Banking customers and TD Commercial Banking customers. However, other types of similar coverage may exist in the market. For More Information For more information about Business Credit Life Insurance: Refer to the Business Credit Life Insurance Application and the Certificate of Insurance. Contact your local TD Canada Trust branch or call TD Life Customer Service at This Distribution Guide is meant to provide an overview of the features and benefits of the insurance described. It is not intended to replace any certificate of insurance issued where a complete description of coverage is provided. Referral to the Autorité des marchés financiers For more information about the insurer s obligation and the distributor s obligation to you, the customer, you can contact the Autorité des marchés financiers at: Autorité des marchés financiers Place de la Cité, Tour Cominar 2640 Laurier Blvd, 4th floor Quebec, Quebec, G1V 5C1 Toll free phone: Québec: (418) Montréal: (514) Fax : information@lautorite.qc.ca Internet: Appeal of an Insurer s Decision and Recourses If your claim is refused, you can appeal this decision by submitting new information to the insurer. You may also consult the Autorité des marchés financiers or your own legal advisor. PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 9

10 Protection for your Business Protect what s important Product Guide and Certificate of Insurance Life insurance coverage provided by: Sun Life Assurance Company of Canada ( Sun Life ) Group Creditor Benefits 227 King Street South P.O. Box 638, Station Waterloo Waterloo, Ontario Canada N2J 4B8 Accident coverage provided by: TD Life Insurance Company ( TD Life ) P.O. Box 1 Toronto Dominion Centre Toronto, Ontario M5K 1A2 Administered by: TD Life PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 10

11 Contents Pages 12 to 18 of this booklet form the Certificate of Insurance and apply to you and any Insured Persons covered by Business Credit Life Insurance. Certificate of Insurance Definitions of the terms we ve used Who is eligible for coverage About your insurance coverage How much you are covered for When your coverage takes effect What your coverage costs How to calculate your premium When we will not pay an insurance benefit Making a change to your coverage How to make a claim Who we pay the benefits to When your insurance coverage ends Best Doctors description of services Commonly asked questions Is Business Credit Life Insurance mandatory? What if you change your mind? How does Business Credit Life Insurance differ from individual life insurance? Can you sign up at any time? How can you cancel your coverage? Can your insurance end before you pay off the debt? How can you be sure your personal information is confidential? Privacy Agreement PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 11

12 Certificate of Insurance Definitions of the terms we ve used This Certificate of Insurance uses the following terms, which are in italics: Accident is defined in About your insurance coverage. Application is the completed printed, electronic and/or telephonic application for Business Credit Life Insurance, including the Health Questionnaire, if applicable. The Bank refers to The Toronto-Dominion Bank and those of its affiliates that provide business loans, lines of credit and overdraft protection. A Canadian resident is any person who: has lived in Canada for a total of 183 days within the last year; or is a member of the Canadian Forces. Business Credit Life Insurance means life coverage and Accident coverage as described in this Certificate of Insurance and provided under the Policy. Notification of Change Form refers to the form that is completed by the customer or the Bank when requesting changes to a customer s existing insurance coverage. Health Questionnaire refers to the detailed written, electronic or telephone questionnaire that must be completed if the Insured Person answers YES to any of the questions on the Application under the heading Information about your application and your health. Insured Person refers to the person you identified in the Application and whose life is insured under this certificate. Policy refers collectively to group policy #45073 between Sun Life and the Bank, which is administered by TD Life and provides your life coverage; and group policy #G.60159AD between TD Life and the Bank, which provides Accident coverage. Total Authorized Business Credit is the sum of your business loans, lines of credit and overdraft protection with the Bank as follows: for business loans (including Business Mortgages), the current amount of the approved loan; for business lines of credit, Business overdraft protection or TD Business Credit Card for a farm, fishery, ranch or private Canadian business, the credit limit amount. Business Credit products that are not included in the Total Authorized Business Credit and therefore not covered: TD Venture Line of Credit VISA** card, Any stand alone Letters of Credit, Letters of Guarantee, or U.S. Dollar Business Credit facilities that are not part of a Commercial Line of Credit, Reserve Loans. You and your refer to the Business identified in the Application. General information TD Life acts as an administrator for Sun Life. The Bank doesn t act as an agent for Sun Life. Neither company has any ownership interest in the other. The Bank is not an agent for its wholly owned subsidiary, TD Life. The Bank sponsors these products and receives a fee from Sun Life and TD Life for its activities. The terms and conditions of your coverage under the Policy consist of: your Application; and your Certificate of Insurance contained in this booklet; and your Notification of Change Form if required; and any other documents we require you to submit and any questions and your answers to questions we may ask you in considering your coverage, whether communicated verbally, in writing or electronically, as well as any written confirmations of coverage we may provide you. For life coverage, we, us and our refers to Sun Life. For Accident coverage, we, us and our refers to TD Life. PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 12

13 Who is eligible for coverage Businesses Business Credit Life Insurance coverage is offered exclusively to business credit customers of the Bank that are a sole proprietorship, partnership, corporation or other entity operating a business or farm. Insured Persons If you want to insure more than one person in your business, each person must complete and submit a separate Application. On the date an Application is completed and submitted, the Insured Person must be a Canadian resident between 18 and 69 years old, and any one of the following: if the business is unincorporated, a person who owns the business, if the business is unincorporated, the spouse of a person who owns the business, a director or officer of the business, a personal guarantor of some or all of the debt included in the Total Authorized Business Credit, or a person who is essential to your ability to meet your financial obligations. About your insurance coverage There are certain circumstances under which we will not pay benefits. These are described in the section, When we will not pay an insurance benefit. The manner in which payment is made is described in the section Who we pay benefits to. Your Business Credit Life Insurance covers the following: Life coverage If the Life Insurance Coverage on the day of death exceeds what s being paid to the Bank, we will pay the balance to you (the business). Accident coverage If the Insured Person suffers a covered loss of limb or sight as described below which; is a bodily injury; and is solely and directly caused by an Accident (as defined below); and occurs within 365 days of the Accident; and is beyond remedy by surgical or other means; we will make a payment to the Bank equal to the lesser of: (i) the Life Insurance Coverage, as determined above, and as of the date of Accident; or (ii) the outstanding balance, as of the date of Accident, owing to the Bank under the Total Authorized Business Credit. Definition of Accident Accident refers to a bodily injury that occurs solely as a direct result of a violent, sudden and unexpected action from an outside source to an Insured Person while insured under this Certificate. Accident coverage does not provide coverage in regards to: Injuries resulting either directly or indirectly from any illness, medical condition or congenital defect, regardless of: whether the illness or condition arose before or after this Certificate took effect; how the Insured Person came to suffer from the illness or condition; and whether the illness, condition or defect resulting injury was expected or unexpected. If the Insured Person dies, we will make a payment to the Bank equal to the lesser of: the Life Insurance Coverage, and the amount you owe under your Total Authorized Business Credit, including interest, on the date of death. PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 13

14 List of covered losses: loss of both arms; loss of one arm and one leg; loss of one leg and sight of one eye; loss of one arm and sight of one eye; loss of both legs loss of sight in both eyes; loss of use of both legs or all limbs due to paraplegia or quadriplegia; loss of use of an arm and leg on one side of the body due to hemiplegia. Losses are defined as follows: loss of an arm means that the limb is severed at or above the wrist joint; loss of a leg means that the limb is severed at or above the ankle joint; loss of sight means the total and irreversible loss of vision in the eye as confirmed by an ophthalmologist, with corrected visual acuity being 20/200 or less; paraplegia means the complete and irrecoverable paralysis of the legs and lower part of the body; quadriplegia means the complete and irrecoverable paralysis of the body from the neck down; and hemiplegia means the complete and irrecoverable paralysis of one side of the body How much you are covered for You can apply to insure all or part of your Total Authorized Business Credit. Minimums and Maximums The minimum amount of coverage you can apply for is $5,000. The maximum amount of insurance related to a single Insured Person under this Policy is $1,000,000. Once your coverage takes effect, you can apply to increase or decrease your coverage, as described in the section Making a change to your coverage. If you do so and we accept your change request then the Life Insurance Coverage shall be increased or decreased by a corresponding amount. Coverages Life Insurance Coverage Your Life Insurance Coverage is based on the amount of insurance you applied for and the Total Authorized Business Credit amount. Life Insurance Coverage automatically reduces as the Total Authorized Business Credit reduces below the amount of insurance you applied for. If the Total Authorized Business Credit is later increased, a new Application is required to increase your coverage (See Making a change to your coverage ). Your Life Insurance Coverage equals the lesser of: (i) the amount of insurance applied for in the Application; or (ii) the Life Insurance Coverage from the previous day; or (iii) the dollar value of the Total Authorized Business Credit; or (iv) $1,000,000. We know it can take time to access your business credit. Therefore, during the initial 180 days from coverage taking effect, your coverage will fluctuate up and down as your Total Authorized Business Credit fluctuates (up to the amount of insurance you applied for). When an Accident benefit is paid then your Life Insurance Coverage will be reduced by the amount of the payment. Accident Coverage Your Accident coverage shall equal the lesser of: (i) (ii) the Life Insurance Coverage, as determined above, and as of the date of Accident; or the outstanding balance, as of the date of Accident, owing to the Bank under the Total Authorized Business Credit. When your coverage takes effect If you apply and qualify for coverage, your coverage will start on the later of the following dates: the date any part of your credit that is included in the Total Authorized Business Credit has been approved and is funded or available to you; and PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 14

15 if the Insured Person is not required to complete a Health Questionnaire, the date you complete the insurance Application; or if the Insured Person is required to complete a Health Questionnaire, the date we write to let you know that we have approved your Life Insurance. When you must complete a Health Questionnaire The Insured Person will need to complete a Health Questionnaire if the Application contains a YES to any of the questions in your Application section, Information about your application and your health. We will review your Application and let you know by mail if you are approved for the coverage you applied for. If a Health Questionnaire is required and not submitted, coverage will not take effect. What your coverage costs How premiums work: the rate used to calculate your premiums is based on the Insured Person s age at billing, gender and smoking status. to be eligible to apply for non-smoker rates, the Insured Person must not have smoked or used any substance or product containing tobacco, nicotine or marijuana within the last 12 months of your effective date. provincial sales taxes are added to your premiums, if applicable. Your premiums are based on the following: the average of the daily Life Insurance Coverage during the billing period, and the monthly premium rates per $1,000 of Business Credit Life Insurance as shown in the premium rate table. The billing period runs from the 11 th calendar day of the previous month to the 10 th calendar day of the current month. Premiums are due on the 15 th calendar day of the month or next business day. These rates do not include provincial sales taxes. Every year, on the first billing following the Insured Person s birthday, you move up to the next premium rate shown. If we increase the rates, the increase will apply to everyone covered. We ll let you know in advance before making any changes to the rates. Premium rates Monthly premium rate per $1,000 of Business Credit Life Insurance Male Female Age at billing Non- Smoker Non- Smoker smoker ($) smoker ($) 32 and under PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 15

16 How to calculate your premium To calculate your monthly premium: 1. find the rate that applies to the Insured Person in the table, 2. multiply it by average Life Insurance Coverage during the billing period, 3. divide the answer by 1,000, and 4. add applicable provincial sales taxes. Average balance is defined as the average of the daily balances of your business credit during the insurance billing period. Example: For a male non-smoker, aged 35, with a business loan, that is their only credit, that has an average balance for the month equal to $47,500, the premium is: $0.12 x $47,500 1,000 = $5.70 a month, plus any applicable provincial sales tax. Your payments We will withdraw your insurance premiums, plus any applicable provincial sales taxes on the 15 th calendar day of the month or next business day from the account indicated on your Application. When we will not pay an insurance benefit We will not pay any insurance benefit and will void your insurance coverage if: the Insured Person failed to accurately answer the question: Have you smoked any product or used any substance or product containing tobacco, nicotine or marijuana within the last 12 months? in the Application; or you or the Insured Person give any false or incomplete responses to requests for information that we require to approve your insurance; or you or the Insured Person give any false or incomplete information when requesting any change to your coverage. This applies to the responses in your Application and to any other information we receive from you, whether in writing, electronically or by telephone. We will not pay any life benefits if: death occurred before your insurance coverage came into effect; your insurance has been in force for less than two years, and the Insured Person dies from suicide or intentionally self-inflicted injuries, whether the Insured Person was sane or insane. If this happens, we will refund all premiums you ve paid; the claim is not made within one year of the date of death; or death is the result of, or while the Insured Person was committing a criminal offence, including driving while over the alcohol legal limit. We will not pay a full life benefit if: the Insured Person dies from suicide or intentionally self-inflicted injuries, whether the Insured Person was sane or insane; and you increased the insurance in any amount, including amounts less than $25,000; and the increase has been in force for less than two years from the date of death. In this case the life benefit is payable but will be reduced by the amount of the increase. We will not refund any premiums paid. We will not pay any accident benefits if: the Accident occurred before your insurance coverage came into effect; the Accident was due to drug or alcohol misuse or abuse; the loss is a result of intentionally self-inflicted injuries, whether the Insured Person was sane or insane; your loss relates to an Accident that took place more than 12 months before the covered loss occurred; the loss is the result of, or while the Insured Person was committing a criminal offence, including driving while over the alcohol legal limit; or the claim is not made within one year from the date of the covered loss. PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 16

17 Making a change to your coverage If you are requesting a change, it will take effect on the first billing period following the date we receive the completed Notification of Change Form. How your coverage can increase Business Credit Life Insurance has a special option that lets you increase your coverage by up to $25,000 once each calendar year without any further qualifying conditions. To apply for this increase option, you must provide us with a properly completed Notification of Change Form. This option can t be accumulated from year to year and can t exceed your Total Authorized Business Credit with the Bank or the maximum of $1,000,000 per Insured Person under the Policy. If you want to increase your coverage by more than $25,000, you must complete a new Application. A two year exclusion for suicide will apply to any increase in coverage for any amount, including amounts less than $25,000, and including increases that result from our acceptance of a Notification of Change Form. See the When we will not pay an insurance benefit section. How your coverage can decrease If you apply to decrease your coverage by completing the relevant section of the Notification of Change Form, we will adjust the coverage amount and recalculate your premium, effective the first billing period following the date we receive this form. In addition, if you reduce your Total Authorized Business Credit below the Life Insurance Coverage, your coverage will automatically decrease as described in the section How much you are covered for. When we pay an Accident Insurance benefit, the Life Insurance Coverage is reduced by the amount of the payment. How to make a change to your smoking status If we were originally told the Insured Person was a smoker and it has been 12 months or more since the Insured Person last smoked or used any substance or product containing tobacco, nicotine or marijuana, you can apply for non-smoker rates by having the Insured Person complete a Notification of Change Form. How to make a claim Claim forms are available through any TD Canada Trust branch or by calling TD Life Customer Service at You or a person with lawful authority making a claim may request: a copy of your Application; a copy of the Policy; any other documents we require you to submit; and your answers to questions we may ask you in considering your coverage, whether communicated verbally, in writing or electronically. We must receive a claim within a specific time: For a death benefit claim, the claim must be submitted within one year of the date of death. For an Accident benefit claim, you must submit your claim within one year of the date of the covered loss. We will not pay any claims that are made after these deadlines. Every action or proceeding against the insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act, or other applicable legislation. We may require additional proof or information regarding the claim. We may require that a doctor of our choice examine the Insured Person to validate an Accident claim. We will only pay benefits after these requirements are satisfied. PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 17

18 Who we pay the benefits to Once we ve approved a claim, we will pay the benefits as follows: For life claims, payment will be made first to the Bank to pay any outstanding debt under your Total Authorized Business Credit. If the Life Insurance Coverage exceeds the amount you owe under your Total Authorized Business Credit, including interest, on the date of death we will pay the difference to you (the business). For Accident claims the amount we will pay will never exceed the amount you owe under your Total Authorized Business Credit, including interest, on the date of the Accident, so we will pay the entire amount to the Bank. To determine the dollar amount of a claim please refer to the How much you are covered for section of this Certificate. For Life claims, the Life Insurance Coverage is determined as of the date of death. For Accident claims, the Accident coverage is determined as of the date of the Accident. When your insurance coverage ends for any reason, we will not notify the other person(s) liable to the Bank for the Total Authorized Business Credit. We will refund any premiums we may owe you after your coverage ends. If you take out insurance but cancel within 30 days of applying, you will get a refund of any premiums you ve paid provided no claims have been made. This is the end of the Certificate of Insurance. The pages that follow contain helpful information about your coverage. When your insurance coverage ends Your insurance will end on the date when any of the following occurs, without notice to you: we are notified that all of your Total Authorized Business Credit has closed, been repaid in full, or been transferred to another bank or financial institution; your insurance premium is in arrears three months or more; we receive a written request from you to cancel your coverage or if we are able to confirm your identity, we receive your request by telephone to cancel the coverage; the date the Insured Person turns 70 years old; the greater of 30 days after you were provided with written notice of the termination of the Policy, or the date mentioned in the notice of termination; or the Insured Person dies. PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 18

19 Best Doctors description of services Who has access to Best Doctors Access to Best Doctors is automatically included with Business Credit Life Insurance when maintaining coverage of $25,000 or more for all Insured Persons and their spouse as well as their dependent children who are under the age of 21, or under 25 and attending college or university full time. You must maintain a minimum level of coverage of $25,000 otherwise your access to Best Doctors will be discontinued. If this happens, we will not notify you. If at any time we discontinue to offer the Best Doctors services, we will let you know in advance before making this change. About Best Doctors Best Doctors helps Canadians navigate the healthcare system through one-on-one coaching and support and connects seriously ill individuals and their treating physicians with world renowned specialists to confirm the correct diagnosis and the correct treatment plan recommendations, all without having to leave home or incur any additional costs. Using its global network of 50,000 world-renowned, peer-nominated specialists, Best Doctors provides access to the best medical knowledge to millions of people around the world when they are faced with a serious medical condition. More than simply a second opinion Membership in Best Doctors delivers certainty to those facing uncertainty about their medical condition. Rather than offering just another second opinion, Best Doctors members and their treating physicians receive a complete and methodical understanding of their medical condition with actionable and educative information. Best Doctors Services INTERCONSULTATION - in the past 20 years, Best Doctors has completed tens of thousands of case reviews through their InterConsultation program. Through this program, a member s medical files are reviewed by Best Doctors world-renowned specialists who then provide opinions and treatment plan recommendations - all without the member leaving home. BEST DOCTORS 360 helps members navigate the healthcare system and take control of their own healthcare. By providing ongoing one-on-one support, customized health information and access to local resources, Best Doctors 360º is not just for serious illness, but can help all members. FINDBESTDOC When you need a Canadian specialist, Best Doctors will recommend a peernominated Canadian specialist from their Canadian Best Doctors database, taking the guesswork out of one of the most important decisions a person with a medical condition can make. FINDBESTCARE While Best Doctors strives to work within the Canadian healthcare system, when a member needs care outside of Canada, Best Doctors can recommend a specialist from their global database of over 50,000 peer-nominated specialists worldwide, and will even contact that specialist to find out if they are accepting patients. They can also recommend top treatment facilities worldwide that are reputed for their expertise in treating the member s condition. Best Doctors retests pathology In addition to collecting and reviewing all of the member s medical files and diagnostic tests, Best Doctors expert pathologists retest the pathology at a Centre of Excellence, renowned for reviewing some of the most complex cases in the world. This is done by Best Doctors on behalf of the member at no additional cost. Measurable results The results speak for themselves. Historically, Best Doctors has: Changed a diagnosis 22% of the time Modified treatment plans 61% of the time Reduced invasive procedures 67% of the time Best Doctors has been in operation for over 10 years in Canada, and currently provides the Best Doctors benefit to more than five million Canadians. For more information about Best Doctors, visit them online at view their interactive presentation at or call BEST (2378). PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 19

20 Commonly asked questions about Business Credit Life Insurance Is Business Credit Life Insurance mandatory? While the Bank may require you to provide life insurance as security for your business credit, this Business Credit Life Insurance is entirely optional. You aren t required to have Business Credit Life Insurance to obtain any TD Canada Trust products or services. But remember the benefits. If you were to die or suffer an Accident without Business Credit Life Insurance, would your family or key persons in your business be able to take care of the payments needed to satisfy your business credit obligations? What if you change your mind? Your satisfaction and financial security are important to us. That s why we offer a 30-day money-back guarantee. If for any reason you are dissatisfied with your Business Credit Life Insurance, you may cancel it within 30 days of the date of your application for a full refund of any premiums paid. You can call TD Life Customer Service at or contact the TD Canada Trust branch where you enrolled for your insurance coverage. How does Business Credit Life Insurance differ from individual life insurance? Business Credit Life Insurance covers your business debts with the Bank. It can ensure these obligations are paid in full in the event of death. Life insurance pays a specific death benefit. With Business Credit Life Insurance, your business liabilities can be paid, with any remainder going to the business. Can you sign up at any time? Yes. There are no time constraints preventing you from taking advantage of low-cost coverage to protect your business. Your TD Canada Trust representative will be pleased to provide you with a Business Credit Life Insurance Application. How can you cancel your coverage? As a representative of the business, you can cancel your coverage at any time. You can call TD Life Customer Service at and, if we are able to confirm your identity, you will be able to cancel your coverage by phone. In that case, your cancellation will be effective as soon as we complete the call. Otherwise, we will require a written request from you to confirm your cancellation and will honour your request on the date we receive it. You can obtain a cancellation form by requesting one at any TD Canada Trust branch, or by calling TD Life Customer Service. For a written cancellation, please send the form to the address at the back of this booklet. We will refund any premiums you have paid after your coverage has ended. Can your insurance end before you pay off the debt? There are situations where your coverage may end before you pay off the balance in full and close your Business Credit. For example, your insurance will end when the Insured Person turns 70 years old or if your insurance premiums are fully or partially in arrears for more than three months. Please refer to the section When your insurance coverage ends in this booklet for more information. How can you be sure your personal information is confidential? Your right to privacy is important to us. No information is shared without your written approval. In your Business Credit Life Insurance Application, you ve agreed to share information as described in the attached Privacy Agreement. We also ask you to authorize TD Life to share any non health-related information about you with our affiliates so they may offer you other products and services and maintain a business relationship with you. You may withdraw this permission to share information at any time by contacting TD Life Customer Service at PROTECTION FOR BUSINESS BUSINESS CREDIT LIFE INSURANCE GUIDE AND CERTIFICATE 20

Protection For Your Mortgage

Protection For Your Mortgage Protection For Your Mortgage Protect What s Important Distribution Guide and Certificate of Insurance 592150 (0715) For use in Quebec only Protection For Your Mortgage Protect What s Important Distribution

More information

Protection for your business

Protection for your business TD Canada Trust Protection for your business Protect what s important Product Guide and Certificate of Insurance 591534 (0114) Protection for your Business Protect what s important Product Guide and Certificate

More information

Protection for your personal loan

Protection for your personal loan Protection for your personal loan Protect what s important Distribution Guide and Certificate of Insurance 592148 (0314) For use in Quebec only Protection for your personal loan Protect what s important

More information

Protection For Your Mortgage

Protection For Your Mortgage Protection For Your Mortgage Protect What s Important Distribution Guide and Certificate of Insurance 592150 (1115) For use in Quebec only Protection For Your Mortgage Protect What s Important Distribution

More information

Protection For Your Personal Loan

Protection For Your Personal Loan Protection For Your Personal Loan Protect What s Important Product Guide and Certificate of Insurance 592256(0315) Protection For Your Personal Loan Protect What s Important Product Guide and Certificate

More information

Protection For Your Mortgage

Protection For Your Mortgage Protection For Your Mortgage Protect What s Important Product Guide and Certificate of Insurance 592258(1115) Protection For Your Mortgage Protect What s Important Product Guide and Certificate of Insurance

More information

Protection For Your Mortgage

Protection For Your Mortgage Protection For Your Mortgage Protect What s Important Product Guide and Certificate of Insurance 592258(0715) Protection For Your Mortgage Protect What s Important Product Guide and Certificate of Insurance

More information

Protection For Your Line of Credit

Protection For Your Line of Credit Protection For Your Line of Credit Protect What s Important Product Guide and Certificate of Insurance 592260(0415) Protection For Your Line Of Credit Protect What s Important Product Guide and Certificate

More information

5 0 + L I F E I N S U R A N C E. D i s t r i b u t i o n GUIDE. 50+ Life Insurance is an individual insurance product.

5 0 + L I F E I N S U R A N C E. D i s t r i b u t i o n GUIDE. 50+ Life Insurance is an individual insurance product. 5 0 + L I F E I N S U R A N C E D i s t r i b u t i o n GUIDE 50+ Life Insurance is an individual insurance product. 1 Notice issued by the Autorité des marchés financiers The Autorité des marchés financiers

More information

DISTRIBUTION GUIDE. Insurer s Contact Information: P.O. Box 7200, Kingston Ontario K7L 5V5. Telephone: 1-866-315-9069 Fax: 1-800-645-9405

DISTRIBUTION GUIDE. Insurer s Contact Information: P.O. Box 7200, Kingston Ontario K7L 5V5. Telephone: 1-866-315-9069 Fax: 1-800-645-9405 DISTRIBUTION GUIDE Name of the Insurance Product: Type of Insurance Product: TD Credit Card Balance Protection Insurance Optional group credit insurance providing coverage for Life, Accidental Death At

More information

Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit. Note: This is an important document. Please keep it in a safe place.

Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit. Note: This is an important document. Please keep it in a safe place. Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit Page 1 of 11 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2 Your rights

More information

Sun Limited Pay Life (one insured person)

Sun Limited Pay Life (one insured person) Sun Limited Pay Life (one insured person) Policy number: LI-1234,567-8 Owner: John Doe The following policy wording is provided solely for your convenience and reference. It is incomplete and reflects

More information

Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit

Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit 13002-2016/03 Page 1 of 9 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2

More information

Certificate of Insurance Creditor Insurance for CIBC Mortgages Note

Certificate of Insurance Creditor Insurance for CIBC Mortgages Note Certificate of Insurance Creditor Insurance for CIBC Mortgages Page 1 of 14 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2 Your rights and responsibilities...

More information

For Quebec residents:

For Quebec residents: Savings-Life Insurance is a group insurance product offered for the following types of accounts: Qualifying share (membership share) account Personal chequing account Regular savings account - 1 - For

More information

HomeProtector Certificate of Insurance - Mortgage life and disability insurance

HomeProtector Certificate of Insurance - Mortgage life and disability insurance Page 1 of 5 This Certificate of Insurance ("Certificate") provides important details on your ; please keep this Certificate in a safe place. Subsequent correspondence may refer to this Certificate as the

More information

CIBC Mortgage Disability Insurance and CIBC Mortgage Disability Insurance Plus

CIBC Mortgage Disability Insurance and CIBC Mortgage Disability Insurance Plus Page 1 of 5 CIBC Mortgage Disability Insurance and CIBC Mortgage Disability Insurance Plus Your Certificate Of Insurance CIBC Mortgage Disability Insurance ( Mortgage Disability Insurance ) and CIBC Mortgage

More information

SPECIMEN. Terms used in this Policy. When this Policy is In Force. When your insurance begins. When your insurance matures

SPECIMEN. Terms used in this Policy. When this Policy is In Force. When your insurance begins. When your insurance matures A Terms used in this Policy B B 1 B 2 We, us, our and The Company mean RBC Life Insurance Company. You and your means the Policy Owner named in the Policy Schedule. Accident means a sudden, involuntary

More information

GROUP TERM LIFE INSURANCE

GROUP TERM LIFE INSURANCE EXCLUSIVE MEMBER BENEFIT! GROUP TERM LIFE INSURANCE for Pennsylvania Bar Association Members, their Families and their Employees Nothing can replace the loss of a loved one, but carefully chosen life insurance

More information

DISTRIBUTION GUIDE BUSINESS LOAN INSURANCE PLAN

DISTRIBUTION GUIDE BUSINESS LOAN INSURANCE PLAN E-FORM 4544 (10/2015) DISTRIBUTION GUIDE BUSINESS LOAN INSURANCE PLAN Name of Insurance Product: Business Loan Insurance Plan Type of Insurance Product: Life, Accidental Dismemberment, Critical Illness

More information

BMO Credit Card Balance Protection

BMO Credit Card Balance Protection BMO Credit Card Balance Protection Cardholders Life, Health and Loss of Employment Insurance (Group Insurance) Distribution Guide Group Policy Number: MM994 Name and Address of Insurers: The Manufacturers

More information

My Life CHOICE. Annual Renewable Term Life Insurance Accidental Death Benefit

My Life CHOICE. Annual Renewable Term Life Insurance Accidental Death Benefit My Life CHOICE Annual Renewable Term Life Insurance Accidental Death Benefit The following policy wording is provided solely for your convenience and reference. It is incomplete and reflects only some

More information

protect The Alberta Teachers Association Group Life + Optional Family Life Insurance Your family depends on you. Help

protect The Alberta Teachers Association Group Life + Optional Family Life Insurance Your family depends on you. Help The Alberta Teachers Association Group Life Optional Family Life Insurance protect Your family depends on you. Help their financial future with additional life insurance. Why do I need additional life

More information

protecting Distribution Guide Credit Card Payment Protection Plan Economic option

protecting Distribution Guide Credit Card Payment Protection Plan Economic option protecting Distribution Guide Credit Card Payment Protection Plan Economic option 2 PROTECTION Copy of the contract of insurance National Bank Life Insurance Company customer service can send a copy of

More information

Disability insurance. IMPORTANT The borrower must enrol in this insurance to receive disability coverage.

Disability insurance. IMPORTANT The borrower must enrol in this insurance to receive disability coverage. Disability insurance loan insurance READY TO DRIVE LOAN IMPORTANT The borrower must enrol in this insurance to receive disability coverage. Participant s GUIDE Loan Insurance Ready to Drive Loan is a group

More information

SunSpectrum Term. (one insured person) Policy number: LI-1234,567-8. Owner: Jim Doe

SunSpectrum Term. (one insured person) Policy number: LI-1234,567-8. Owner: Jim Doe SunSpectrum Term Policy number: LI-1234,567-8 Owner: Jim Doe The following policy wording is provided solely for your convenience and reference. It is incomplete and reflects only some of the general provisions

More information

BUSINESS LOAN INSURANCE PLAN TERMS AND CONDITIONS

BUSINESS LOAN INSURANCE PLAN TERMS AND CONDITIONS E-FORM 3460 (10/2015) BUSINESS LOAN INSURANCE PLAN TERMS AND CONDITIONS DEFINITIONS What are the definitions contained in this Policy? The following definitions will assist the Business and Proposed Insured,

More information

SunTerm life insurance (Joint first-to-die)

SunTerm life insurance (Joint first-to-die) SunTerm life insurance (Joint first-to-die) Policy number: LI-1234,567-8 Owner: John Doe Mary Doe The following policy wording is provided solely for your convenience and reference. It is incomplete and

More information

CIBC Guaranteed Acceptance Life Insurance Policy

CIBC Guaranteed Acceptance Life Insurance Policy CIBC Guaranteed Acceptance Life Insurance Policy 30-DAY REVIEW PERIOD As the Owner You can cancel this Policy at any time by contacting us at the number below or writing to the address below. If You cancel

More information

SAMPLE. Express Critical Illness Basic. Alberta

SAMPLE. Express Critical Illness Basic. Alberta Express Critical Illness Basic Alberta The following policy wording is provided solely for your convenience and reference. It is incomplete and reflects only some of the general provisions that may be

More information

SunSpectrum Basic Life Insurance Joint first-to-die

SunSpectrum Basic Life Insurance Joint first-to-die SunSpectrum Basic Life Insurance Joint first-to-die Policy number: LI-1234,567-8 Owner: John Doe Mary Doe The following policy wording is provided solely for your convenience and reference. It is incomplete

More information

Doctors of BC Critical Illness Insurance

Doctors of BC Critical Illness Insurance Doctors of BC Critical Illness Insurance CI Critical Illness Insurance Have greater control over the impact a serious illness may have on your life. As a doctor, you ve likely witnessed patients trying

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Howard University and Howard University Hospital D.B.A. Howard University, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED

More information

SunTerm (joint first-to-die)

SunTerm (joint first-to-die) SunTerm Policy number: LI-1234,567-8 Owner: Jim Doe The following policy wording is provided solely for your convenience and reference. It is incomplete and reflects only some of the general provisions

More information

1 800 396-4389 www.carpinsurance.ca. FollowMe TM Life Plan. Life insurance that starts when your group life insurance stops

1 800 396-4389 www.carpinsurance.ca. FollowMe TM Life Plan. Life insurance that starts when your group life insurance stops If you have any questions, please give us a call 1 800 396-4389 www.carpinsurance.ca FollowMe TM Life Plan Brought to you by FollowMe Life insurance plan is offered through Manulife Financial (The Manufacturers

More information

TEAMSTERS CANADA RAIL CONFERENCE HEALTH AND WELFARE TRUST LONG TERM DISABILITY GROUP PLAN

TEAMSTERS CANADA RAIL CONFERENCE HEALTH AND WELFARE TRUST LONG TERM DISABILITY GROUP PLAN TEAMSTERS CANADA RAIL CONFERENCE HEALTH AND WELFARE TRUST LONG TERM DISABILITY GROUP PLAN LOCOMOTIVE ENGINEERS OF CANADIAN PACIFIC RAILWAY This Booklet Contains Important Information And Should Be Kept

More information

REQUEST FOR THE ONTARIO MEDICAL ASSOCIATION GROUP 10 YEAR LEVEL FLEX-TERM LIFE INSURANCE PLAN

REQUEST FOR THE ONTARIO MEDICAL ASSOCIATION GROUP 10 YEAR LEVEL FLEX-TERM LIFE INSURANCE PLAN NEW YORK LIFE INSURANCE COMPANY REQUEST FOR THE ONTARIO MEDICAL ASSOCIATION GROUP 10 YEAR LEVEL FLEX-TERM LIFE INSURANCE PLAN SECTION A: MEMBER INFORMATION I wish coverage for (Check One) Myself Myself

More information

Life and Accident Insurance

Life and Accident Insurance Life and Accident Insurance Honda offers basic life and accident insurance and business travel insurance benefits for you or your survivors in the event of your accidental death or serious injury. Table

More information

Group Whole Life 1-877-VIP-CSEA. Valuable Insurance Programs. Administered by. Sponsored by

Group Whole Life 1-877-VIP-CSEA. Valuable Insurance Programs. Administered by. Sponsored by Group Whole Life 1-877-VIP-CSEA Valuable Insurance Programs Sponsored by Administered by Important Benefits for CSEA members The Civil Service Employees Association (CSEA) is committed to providing its

More information

REQUEST FOR THE ONTARIO MEDICAL ASSOCIATION GROUP FLEX-TERM LIFE INSURANCE PLAN

REQUEST FOR THE ONTARIO MEDICAL ASSOCIATION GROUP FLEX-TERM LIFE INSURANCE PLAN NEW YORK LIFE INSURANCE COMPANY REQUEST FOR THE ONTARIO MEDICAL ASSOCIATION GROUP FLEX-TERM LIFE INSURANCE PLAN I wish to apply for: Flex-10 Policy G-29700 Flex-20 Policy G-29800 SECTION A: MEMBER INFORMATION

More information

Term Life Insurance for CARP Members. Protection that fits your life. Today and for years to come.

Term Life Insurance for CARP Members. Protection that fits your life. Today and for years to come. Term Life Insurance for CARP Members Protection that fits your life. Today and for years to come. Finally, An Insurance Plan That Let s You Live Life On Your Terms Since none of us can predict what tomorrow

More information

Critical Illness Insurance. Simplified Second Chance 6 covered illnesses and surgeries

Critical Illness Insurance. Simplified Second Chance 6 covered illnesses and surgeries Critical Illness Insurance Simplified Second Chance 6 covered illnesses and surgeries Simplified Second Chance Covers added expenses that come along with a critical illness Being diagnosed with cancer,

More information

Life Insurance TABLE OF CONTENTS. Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3. Eligibility... 8 Beneficiary... 8 Coverage...

Life Insurance TABLE OF CONTENTS. Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3. Eligibility... 8 Beneficiary... 8 Coverage... Life Insurance TABLE OF CONTENTS Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3 Eligibility... 3 Beneficiary... 4 Coverage... 4 Benefits... 4 Conversion Privilege... 4 Claims... 5

More information

AVMA GHLIT Family Group Life Insurance Plan

AVMA GHLIT Family Group Life Insurance Plan AVMA GHLIT Family Group Life Insurance Plan Designed by veterinarians for veterinarians Available to Graduating Student Members v Insurance you can trust. Underwritten by New York Life Insurance Company

More information

Scotia Mortgage Protection

Scotia Mortgage Protection Scotia Mortgage Protection Distribution Guide Surprisingly Simple Insurance Distribution Guide Scotia Mortgage Protection Creditor Group Insurance Life and Critical Illness Insurance (Group Policy G/H

More information

GUARANTEED ISSUE LIFE INSURANCE PLAN Live. Live with a plan that can help you and your loved ones.

GUARANTEED ISSUE LIFE INSURANCE PLAN Live. Live with a plan that can help you and your loved ones. Live. Live with a plan that can help you and your loved ones. Enjoy life. ENCON has you covered. ENCON s Guaranteed Issue Life Insurance Plan provides you with life insurance coverage once your employer-sponsored

More information

10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS. Underwritten by New York Life Insurance Company. Designed by Veterinarians for Veterinarians

10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS. Underwritten by New York Life Insurance Company. Designed by Veterinarians for Veterinarians 10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS Designed by Veterinarians for Veterinarians Valuable Benefits. Remarkable Service. Underwritten by New York Life Insurance Company WE VE GOT YOU COVERED

More information

CANADA PROTECTION PLAN SAMPLE POLICY

CANADA PROTECTION PLAN SAMPLE POLICY CANADA PROTECTION PLAN SAMPLE POLICY Policy underwritten by Foresters Life Insurance Company The following sample policy pages are provided for reference only. They may be incomplete and/or may not reflect

More information

Permanent Life Insurance. Horizon 50+ is offered to individuals age 50 to 75, with no medical exam

Permanent Life Insurance. Horizon 50+ is offered to individuals age 50 to 75, with no medical exam Permanent Life Insurance Horizon 50+ is offered to individuals age 50 to 75, with no medical exam Horizon 50+ Up to $20,000 of Life Insurance, with no medical exam Horizon 50+, permanent life insurance

More information

AVMA GHLIT Family Group Life Insurance Plan

AVMA GHLIT Family Group Life Insurance Plan AVMA GHLIT Family Group Life Insurance Plan Designed by veterinarians for veterinarians v Insurance you can trust. Underwritten by New York Life Insurance Company (NY, NY 10010) DESIGNED BY VETERINARIANS

More information

YOUR PERSONAL ACCIDENT INSURANCE PLAN

YOUR PERSONAL ACCIDENT INSURANCE PLAN YOUR PERSONAL ACCIDENT INSURANCE PLAN For Employees of City of Fort Smith 6CC000 B-13292 (1-12) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of University System of New Hampshire 6CC000 Class I B-12270 11-12 E-Book CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

Policy wording. AMI Life Injury Insurance. What you need to know about your policy. When the insurance cover begins.

Policy wording. AMI Life Injury Insurance. What you need to know about your policy. When the insurance cover begins. AMI Life Injury Insurance Policy wording What you need to know about your policy Please read your policy wording and schedule carefully to ensure it meets your needs. If there is any error please contact

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Health Science Campus - Life Insurance GROUP POLICY NUMBER - 234782-001 BOOKLET EFFECTIVE DATE - January 1, 2014 BOOKLET AMENDMENT

More information

Accidental Dismemberment Insurance Claims

Accidental Dismemberment Insurance Claims Your group insurance benefits City of Port Moody CUPE Inside & Outside Your Group Insurance Benefits City Of Port Moody Class :104 CUPE Inside & Outside Policy :33773 Effective Date :May 1, 2013 Table

More information

GROUP TERM LIFE INSURANCE

GROUP TERM LIFE INSURANCE Quality Group Life Insurance protection for members of the American Academy of Pediatrics $1,000,000 maximum members and spouses Non-smoker rates Waiver of premium Optional AD&D benefit Accelerated Death

More information

How To Get A 50+ Group Life Insurance Plan From Usa.Org

How To Get A 50+ Group Life Insurance Plan From Usa.Org USBA 50+ Group Whole Life Insurance Plan If you re age 50 or older and want permanent lifetime coverage with cash value and guarantees, Fifty Plus Group Whole Life is recommended for you. You can buy it

More information

SAMPLE. Scotia Business Loan Protection. Certificate of Insurance Please keep in a safe place. scotialifefinancial.com. Surprisingly Simple Insurance

SAMPLE. Scotia Business Loan Protection. Certificate of Insurance Please keep in a safe place. scotialifefinancial.com. Surprisingly Simple Insurance Scotia Business Loan Protection Certificate of Insurance Please keep in a safe place. Surprisingly Simple Insurance scotialifefinancial.com Scotia Business Loan Protection Certificate of Insurance The

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN 6CC000 B-13995 3-13 (Elec) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS........................................... 2 Life

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA INTEGRITYOne Partners, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED BENEFITS OPTION. RECEIPT OF ACCELERATED BENEFITS

More information

USBA Wise Choice Generation 3 SM Group Blended Life Insurance Plan

USBA Wise Choice Generation 3 SM Group Blended Life Insurance Plan USBA Wise Choice Generation 3 SM Group Blended Life Insurance Plan USBA Wise Choice Generation 3 SM Group Blended a whole new way to look at life insurance. First there was term life insurance, then came

More information

YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN

YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN For Employees of Louisana Sheriffs Association 6CC000 B-15023 (09-14 DRAFT) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

AVMA GHLIT Family Group Life Insurance Plan

AVMA GHLIT Family Group Life Insurance Plan AVMA GHLIT Family Group Life Insurance Plan Designed by veterinarians for veterinarians Available to Graduating Student Members v Insurance you can trust. Underwritten by New York Life Insurance Company

More information

10. Underwritten by Manulife - a trusted name and industry leader.

10. Underwritten by Manulife - a trusted name and industry leader. 1. We say YES We are the first mortgage protection provider to offer some form of protection to everyone who submits a life insurance application, regardless of your health. As long as you are between

More information

Doctors of BC Student Insurance Program

Doctors of BC Student Insurance Program Doctors of BC Student Insurance Program Get a head start on establishing your financial protection plan The Doctors of BC Student Insurance Program has been designed specifically for you. It offers Disability

More information

QMA LIFE INSURANCE. Program. Complete the application provided, and mail to: Apply Now! Québec Medical Association

QMA LIFE INSURANCE. Program. Complete the application provided, and mail to: Apply Now! Québec Medical Association QMA LIFE INSURANCE Program Apply Now! Complete the application provided, and mail to: Québec Medical Association 380 1000 Saint-Antoine de la Gauchetière West West Suite 3200 660 Montréal Montreal (Québec)

More information

Earning for Today and Saving for Tomorrow. Basic Life Insurance Plan. inspiring possibilities

Earning for Today and Saving for Tomorrow. Basic Life Insurance Plan. inspiring possibilities Earning for Today and Saving for Tomorrow Basic Life Insurance Plan inspiring possibilities In This Summary Certification Page...3 Schedule of Benefits...4 Life Insurance, Accidental Death and Dismemberment

More information

St.George Quick Cover

St.George Quick Cover St.George Quick Cover St.George Quick Cover is the fast and easy way to help protect the people you care about. Product Disclosure Statement and Policy Wording (PDS). Effective Date: 20 October 2014 Issued

More information

Home Loan Insurance. Policy wording

Home Loan Insurance. Policy wording Home Loan Insurance. Policy wording What s Inside Here. 1 Introduction to your cover 3 General terms and conditions of the Policy 7 The Death and Terminal Illness benefit 8 The Temporary Disability benefit

More information

Scotia Line of Credit Protection

Scotia Line of Credit Protection Scotia Line of Credit Protection Distribution Guide Surprisingly Simple Insurance Distribution Guide Scotia Line of Credit Protection Creditor Group Insurance Life and Critical Illness Insurance (Group

More information

PROTECTION Police and Families Credit Union Group Life Insurance Policy

PROTECTION Police and Families Credit Union Group Life Insurance Policy PROTECTION Police and Families Credit Union Group Life Insurance Policy Administered by Police and Families Credit Union PO Box 12 344, Wellington, 6144 0800 429 000 www.policecu.org.nz PROTECTION CREDIT

More information

FUNERAL COVER. Policy Wording

FUNERAL COVER. Policy Wording FUNERAL COVER Policy Wording ISSUE 1: 11 April 2016 MOMENTUM LIFE FUNERAL COVER This is your insurance Policy document. It contains important information to help you understand how your insurance works.

More information

protecting Distribution Guide Consumer Loan Insurance Mortgage Loan and All-In-One

protecting Distribution Guide Consumer Loan Insurance Mortgage Loan and All-In-One protecting Distribution Guide Consumer Loan Insurance Mortgage Loan and All-In-One 2 PROTECTING Copy of insurance contract Customer Service at National Bank Life Insurance can provide copies of insurance

More information

AVMA GHLIT Group 10-Year and 20-Year Level Term Life and Large Scale Accidental Death and Dismemberment Plans

AVMA GHLIT Group 10-Year and 20-Year Level Term Life and Large Scale Accidental Death and Dismemberment Plans AVMA GHLIT Group 10-Year and 0-Year Level Term Life and Large Scale Accidental Death and Dismemberment Plans Designed by veterinarians for veterinarians Insurance you can trust. Underwritten by New York

More information

Administrator means the administrator of giraffe & friends RESP, being Giraffe & Friends Life Insurance Company.

Administrator means the administrator of giraffe & friends RESP, being Giraffe & Friends Life Insurance Company. Completion Insurance Life & Total & Permanent Disability Insurance Important information about your insurance Customer Service Inquiries - Please contact Giraffe & Friends Life Insurance Company at 1-844-MY-GANDF

More information

How To Get Life And Dd Insurance In New York

How To Get Life And Dd Insurance In New York NEW YORK LIFE INSURANCE COMPANY REQUEST FOR THE ONTARIO MEDICAL ASSOCIATION GROUP TERM LIFE PLUS 75 INSURANCE PLAN SECTION A: MEMBER INFORMATION I wish coverage for (Check One) Myself Myself and Eligible

More information

SAMPLE. is equal to the Death Benefit less the Account Value of your policy.

SAMPLE. is equal to the Death Benefit less the Account Value of your policy. DEFINITIONS EquiLife Limited Pay UL (Joint first-to-die) The following are definitions of some of the terms used in your EquiLife Joint First-to-Die policy. If you need additional information or clarification

More information

MONTHLY PREMIUM CREDIT INSURANCE APPLICATION AND CERTIFICATE (PART A) Credit Card

MONTHLY PREMIUM CREDIT INSURANCE APPLICATION AND CERTIFICATE (PART A) Credit Card MONTHLY PREMIUM CREDIT INSURANCE APPLICATION AND CERTIFICATE (PART A) Credit Card SCHEDULE OF CREDIT INSURANCE Credit Union/Primary Beneficiary San Antonio Citizens Federal Credit Union Borrower 1 Name

More information

THE EMPIRE LIFE INSURANCE COMPANY TRILOGY. Policy Summary

THE EMPIRE LIFE INSURANCE COMPANY TRILOGY. Policy Summary Policy Summary This Policy Summary is dated June 1, 2012. When you make a change to your Contract, we will issue a new version of these pages. The Policy Summary with the most recent date replaces any

More information

Life and AD&D Insurance Effective February 1, 2015

Life and AD&D Insurance Effective February 1, 2015 Life and AD&D Insurance Effective February 1, 2015 TABLE OF CONTENTS Introduction... 2 Life Insurance and AD&D General Provisions... 2 Amount of Coverage and Eligibility Waiting Period... 2 Effective Date

More information

Group Term Life Plan

Group Term Life Plan A benefit of your Bar Association membership! Middlesex County Bar Association Group Term Life Plan Affordable Term Life Insurance available to eligible attorneys as a benefit of your membership. 0239013-00001-00

More information

INTRODUCTION. This information booklet has been prepared to give you an informal summary of the main features of your group insurance program.

INTRODUCTION. This information booklet has been prepared to give you an informal summary of the main features of your group insurance program. INTRODUCTION This information booklet has been prepared to give you an informal summary of the main features of your group insurance program. This booklet is not an insurance policy, and does not grant

More information

Nova Scotia College of Art & Design

Nova Scotia College of Art & Design Nova Scotia College of Art & Design Plan Document Number: G0080847 Group Policy Number: G0050232 Plan - All Employees Employee Name: Certificate Number: Welcome to Your Group Benefit Program Plan Document

More information

Your insurance policy. Policy AFS9 on the life of Insured Name. Specimen. Rino D'Onofrio President and Chief Executive Officer

Your insurance policy. Policy AFS9 on the life of Insured Name. Specimen. Rino D'Onofrio President and Chief Executive Officer Your insurance policy Policy AFS9 on the life of Insured Name RBC Life Insurance Company agrees to pay benefits in accordance with the terms and conditions of this policy for losses occurring while this

More information

How To Get A Group Accident Insurance Plan From Asce Group High Limit Accident Insurance

How To Get A Group Accident Insurance Plan From Asce Group High Limit Accident Insurance FOR WHEN LIFE DOESN T GO ACCORDING TO PLAN ASCE GROUP HIGH-LIMIT ACCIDENT INSURANCE INNOVATIVE SOLUTIONS: THE WAY YOU WOULD ENGINEER THEM UNDERWRITTEN BY New York Life Insurance Company WHY PURCHASE HIGH-LIMIT

More information

Sun Long Term Care Insurance

Sun Long Term Care Insurance Sun Long Term Care Insurance Policy number: LI-1234,567-8 Owner: Mary Doe Additional options included in this sample policy: - Inflation protection (IP 2-3%) - Return of premium on death (ROPD) The following

More information

Voluntary Accidental Death and Dismemberment Insurance. Answers to your questions about coverage from Standard Insurance Company

Voluntary Accidental Death and Dismemberment Insurance. Answers to your questions about coverage from Standard Insurance Company Voluntary Accidental Death and Dismemberment Insurance F O R E M P L O Y E E S O F K E N T S TAT E U N I V E R S I T Y Answers to your questions about coverage from Standard Insurance Company S TA N D

More information

A - 3 Plan deduction indicates membership in 1&2..( 24 5$6

A - 3 Plan deduction indicates membership in 1&2..( 24 5$6 ! " #$%&' ( First, an important note from our lawyers. This booklet is intended only as a guide and does not establish any legal rights. It is intended as a summary of the benefits provided at the time

More information

Group Life And AD&D Insurance Coverage

Group Life And AD&D Insurance Coverage Group Life And AD&D Insurance Coverage The California State University Standard Insurance Company Group Life Insurance The following is a brief description of some of the coverage highlights for The California

More information

Life and Accident coverage Table of contents

Life and Accident coverage Table of contents Life and Accident coverage Table of contents Introduction... 1 Highlights...2 Basic Group Life plan...4 Joining the plan...4 Coverage...4 Cost...4 In the event... 5 Supplementary Life Insurance plan...8

More information

Your insurance policy

Your insurance policy Your insurance policy Policy ST000000E on the life of James Doe RBC Life Insurance Company agrees to pay benefits in accordance with the terms and conditions of this policy for losses occurring while this

More information

Short Term Disability Income Protection Plan

Short Term Disability Income Protection Plan Short Term Disability Income Protection Plan Effective Date: January 1, 2012 Contact Information Plan Administrator: Address and Telephone #: AOL Inc. 22000 AOL Way Dulles, VA 20166 703-265-1968 703-265-3981

More information

MemberCare Life Insure Policy

MemberCare Life Insure Policy MemberCare Life Insure Policy Product Disclosure Statement incorporating the Policy Wording Your family s complete protection Introduction & Welcome We understand how important it is to be comfortable

More information

CREDIT CARD BALANCE INSURANCE PAYMENT OPTIONS

CREDIT CARD BALANCE INSURANCE PAYMENT OPTIONS CREDIT CARD BALANCE INSURANCE PAYMENT OPTIONS About Financial Consumer Agency of Canada (FCAC) With educational materials and interactive tools, the Financial Consumer Agency of Canada (FCAC) provides

More information

How To Get Travel Medical Insurance In Canada

How To Get Travel Medical Insurance In Canada TD Insurance Travel Medical Insurance Distribution Guide Name of Insurance Product Travel Medical Insurance Type of Insurance Product Group Travel Insurance Name and Address of Insurer: TD Life Insurance

More information

Public Employees Benefits Agency. Public Employees Group Life Insurance Plan

Public Employees Benefits Agency. Public Employees Group Life Insurance Plan Public Employees Benefits Agency Public Employees Group Life Insurance Plan Table of Contents INTRODUCTION...2 ELIGIBILITY...3 Employer Responsibility Enrolment Spouse Dependent Child BENEFITS...5 Basic

More information

LoanProtector Certificate of Insurance - Loan and Line of Credit life, critical illness and disability insurance

LoanProtector Certificate of Insurance - Loan and Line of Credit life, critical illness and disability insurance Page 1 of 6 This Certificate of Insurance ("Certificate") provides important details on your coverage; please keep this Certificate in a safe place. Subsequent correspondence may refer to this Certificate

More information

USBA Life-Time Value Group Whole Life Insurance Plan

USBA Life-Time Value Group Whole Life Insurance Plan USBA Life-Time Value Group Whole Life Insurance Plan If you want permanent lifetime coverage with guaranteed rates, guaranteed benefits, and a guaranteed schedule of cash value, USBA Life-Time Value Group

More information

CERTIFICATE OF INSURANCE Issued by Canadian Premier Life Insurance Company 5000 Yonge Street Toronto, Ontario M2N 7J8

CERTIFICATE OF INSURANCE Issued by Canadian Premier Life Insurance Company 5000 Yonge Street Toronto, Ontario M2N 7J8 CERTIFICATE OF INSURANCE Issued by Canadian Premier Life Insurance Company 5000 Yonge Street Toronto, Ontario M2N 7J8 For questions, service or to make a claim, call: XXX-XXX-XXXX SCHEDULE OF INSURANCE:

More information